No, you should not purchase life or health insurance from this agent based on his claim that a pre-rating policy is better, as this is a common and often misleading sales tactic, especially from multi-level marketing companies like Primerica. Your VA disability rating has no bearing on your eligibility for most individual life or health insurance policies; insurers underwrite based on your actual medical conditions, not the VA's compensation percentage. A 100% rating often signifies significant health issues, which an insurer will discover during underwriting regardless of your rating status, likely increasing your premiums or causing denials. For health insurance, you will have access to VA healthcare and potentially CHAMPVA for dependents if you are rated 100% Permanent and Total, and you can use the ACA marketplace during transition. For life insurance, the VA offers Service-Disabled Veterans Life Insurance (S-DVI) up to $10,000 without medical underwriting if you are rated within two years, and you can later pursue Veterans’ Group Life Insurance (VGLI) or compare term policies through reputable brokers like USAA, Navy Federal, or an independent agent. Your immediate priority should be securing your effective date by submitting an **Intent to File (Form 21-0966)** now, as per 38 CFR 3.155, and building a well-documented claim with strong medical evidence and nexus letters to support your desired ratings, referencing diagnostic codes like **DC 6260** for tinnitus and **DC 9200** for schizophrenia in 38 CFR 4.130 for mental health. *This is educational information regarding VA policy and procedure, not legal, financial, or medical advice; for specific claims or financial guidance, consult a VA-accredited attorney or agent.*
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